Question: Are Covered California standard copay plans for hmos and the coinsurance plans for insurance companies?
Answer: The clear distinctions between HMO and PPO plans, will no longer exist. In the new order, copay plans have the same deductibles and out-of-pocket maximums as the coinsurance plans. The coinsurance plans use copays nearly as much as the copay plans do. There are only minor differences. It’s a whole new ball game. Covered California standard plan benefit designs.